especially bank of america, up more than 100% for the year, not shabby. the story of 2013, looming housing shortage. so many home builders disappeared during that last downturn that the remaining ones can't keep up with the demand, prices are going higher everywhere. the best investment may be for me to tell you to go buy a house before the affordability goes away. certainly lock in that low rate. with employment not growing much, the consumer was supposed to be strapped and nervous in 2012. instead, last time we got figures showing that household debt as a percentage of disposable income, 17-year low while spending on people's homes have been the strongest story out there. so they're spending and then they're not borrowing. you see, that's called nirvana, '94, that's what happened in 1994. we came in with gluten in every kind of structure. too many shopping centers, now we've got a shortage. pretty much in every category. as you know from the parade of real estate trust investment executives, i have them on the show because i need to know this stuff. wha